BNC Mortgage Mortgage Lending & HMDA Data, 2007

In 2007, BNC Mortgage of New York, NY reported 91,889 mortgage applications totaling $23.6 billion. The average application was for $256,910, and applicants reported an average income of $106,730. 26% of its applications resulted in an originated loan and 64% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (5,900), Los Angeles-Long Beach-Glendale, CA (5,805) and Riverside-San Bernardino-Ontario, CA (5,745) (applications in parentheses).

Mortgage Company & Address BNC Mortgage
745 Seventh Avenue, 24th Floor
New York, NY 10019
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  
Total Number of Mortgage Applications 91,889
Total Mortgage Loan Application Amount $23,607,247,000
Average Mortgage Loan Application Amount $256,910
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $106,730
Highest Applicant Income $9,528,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records BNC Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for BNC Mortgage by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 5,805 $ 2,287,508,000 $ 394,058 $ 128,000
Cook, Illinois 4,638 $ 1,007,568,000 $ 217,241 $ 87,000
Maricopa, Arizona 3,666 $ 848,144,000 $ 231,354 $ 94,000
San Bernardino, California 2,967 $ 888,907,000 $ 299,597 $ 109,000
Riverside, California 2,778 $ 966,517,000 $ 347,918 $ 124,000
Miami-Dade, Florida 2,216 $ 564,977,000 $ 254,953 $ 110,000
Broward, Florida 1,514 $ 384,134,000 $ 253,721 $ 102,000
Clark, Nevada 1,425 $ 391,511,000 $ 274,744 $ 114,000
Wayne, Michigan 1,342 $ 140,635,000 $ 104,795 $ 64,000
Prince George's, Maryland 1,210 $ 375,458,000 $ 310,295 $ 96,000
Orange, California 1,206 $ 570,485,000 $ 473,038 $ 160,000
San Diego, California 1,076 $ 411,431,000 $ 382,370 $ 144,000
Philadelphia, Pennsylvania 955 $ 107,580,000 $ 112,649 $ 76,000
Kern, California 792 $ 174,558,000 $ 220,401 $ 82,000
Suffolk, New York 792 $ 277,423,000 $ 350,281 $ 132,000
Hillsborough, Florida 774 $ 139,173,000 $ 179,810 $ 90,000
Fresno, California 767 $ 166,541,000 $ 217,132 $ 93,000
Baltimore City, Maryland 757 $ 109,192,000 $ 144,243 $ 84,000
Orange, Florida 753 $ 161,920,000 $ 215,033 $ 113,000
Alameda, California 747 $ 328,358,000 $ 439,568 $ 152,000
Sacramento, California 738 $ 222,130,000 $ 300,989 $ 111,000
Cuyahoga, Ohio 732 $ 85,542,000 $ 116,860 $ 71,000
Palm Beach, Florida 728 $ 189,176,000 $ 259,857 $ 120,000
Queens, New York 722 $ 311,400,000 $ 431,301 $ 141,000
Honolulu, Hawaii 721 $ 296,554,000 $ 411,309 $ 125,000
Salt Lake, Utah 660 $ 153,765,000 $ 232,977 $ 92,000
San Joaquin, California 634 $ 204,276,000 $ 322,201 $ 123,000
Contra Costa, California 629 $ 262,932,000 $ 418,015 $ 147,000
Kings, New York 617 $ 296,345,000 $ 480,299 $ 164,000
Baltimore, Maryland 582 $ 136,616,000 $ 234,735 $ 95,000
Nassau, New York 574 $ 227,545,000 $ 396,419 $ 142,000
Essex, New Jersey 552 $ 162,491,000 $ 294,367 $ 105,000
Hennepin, Minnesota 511 $ 119,313,000 $ 233,489 $ 118,000
King, Washington 490 $ 156,669,000 $ 319,732 $ 120,000
Will, Illinois 475 $ 110,275,000 $ 232,157 $ 98,000
New Haven, Connecticut 471 $ 102,132,000 $ 216,840 $ 102,000
Milwaukee, Wisconsin 466 $ 54,444,000 $ 116,832 $ 60,000
Duval, Florida 461 $ 74,288,000 $ 161,145 $ 78,000
Santa Clara, California 458 $ 226,808,000 $ 495,213 $ 174,000
Pima, Arizona 456 $ 88,399,000 $ 193,857 $ 81,000
Oakland, Michigan 441 $ 100,699,000 $ 228,342 $ 113,000
Fulton, Georgia 440 $ 98,860,000 $ 224,681 $ 144,000
District of Columbia, District Of Columbia 432 $ 132,927,000 $ 307,701 $ 112,000
Pinellas, Florida 432 $ 84,890,000 $ 196,504 $ 102,000
Tulare, California 396 $ 79,705,000 $ 201,275 $ 81,000
Stanislaus, California 394 $ 123,327,000 $ 313,012 $ 117,000
Utah, Utah 390 $ 98,396,000 $ 252,297 $ 112,000
Fairfield, Connecticut 382 $ 120,721,000 $ 316,023 $ 129,000
Pierce, Washington 363 $ 90,068,000 $ 248,121 $ 103,000
St. Louis, Missouri 362 $ 45,064,000 $ 124,486 $ 66,000
Shelby, Tennessee 359 $ 43,919,000 $ 122,337 $ 68,000
Multnomah, Oregon 351 $ 88,203,000 $ 251,290 $ 111,000
Hartford, Connecticut 349 $ 71,486,000 $ 204,830 $ 87,000
DuPage, Illinois 331 $ 90,024,000 $ 271,975 $ 121,000
Lake, Indiana 311 $ 34,599,000 $ 111,250 $ 78,000
Franklin, Ohio 307 $ 37,049,000 $ 120,680 $ 100,000
Lee, Florida 303 $ 74,386,000 $ 245,498 $ 116,000
Polk, Florida 296 $ 49,763,000 $ 168,118 $ 75,000
Pinal, Arizona 295 $ 59,399,000 $ 201,352 $ 104,000
Jackson, Missouri 279 $ 29,934,000 $ 107,290 $ 85,000
Genesee, Michigan 278 $ 30,615,000 $ 110,125 $ 72,000
Snohomish, Washington 277 $ 82,194,000 $ 296,729 $ 122,000
Volusia, Florida 276 $ 54,260,000 $ 196,594 $ 85,000
Hawaii, Hawaii 272 $ 84,872,000 $ 312,029 $ 135,000
Union, New Jersey 272 $ 84,499,000 $ 310,658 $ 108,000
Anne Arundel, Maryland 271 $ 84,237,000 $ 310,837 $ 100,000
Solano, California 270 $ 106,750,000 $ 395,370 $ 135,000
Allegheny, Pennsylvania 265 $ 29,176,000 $ 110,098 $ 89,000
Lake, Illinois 262 $ 62,217,000 $ 237,469 $ 119,000
St. Louis City, Missouri 259 $ 26,426,000 $ 102,030 $ 58,000
Montgomery, Maryland 258 $ 97,588,000 $ 378,248 $ 129,000
Macomb, Michigan 251 $ 46,004,000 $ 183,282 $ 88,000
DeKalb, Georgia 248 $ 48,674,000 $ 196,266 $ 116,000
Ventura, California 244 $ 104,817,000 $ 429,577 $ 136,000
Osceola, Florida 241 $ 53,442,000 $ 221,751 $ 121,000
Pasco, Florida 222 $ 41,567,000 $ 187,238 $ 104,000
Seminole, Florida 222 $ 50,896,000 $ 229,261 $ 121,000
Ramsey, Minnesota 221 $ 40,876,000 $ 184,959 $ 89,000
Bronx, New York 218 $ 86,283,000 $ 395,793 $ 121,000
Ada, Idaho 216 $ 54,640,000 $ 252,962 $ 107,000
Camden, New Jersey 214 $ 38,968,000 $ 182,093 $ 87,000
Providence, Rhode Island 211 $ 48,526,000 $ 229,981 $ 124,000
Brevard, Florida 210 $ 42,234,000 $ 201,114 $ 119,000
Kane, Illinois 210 $ 45,755,000 $ 217,880 $ 105,000
Middlesex, New Jersey 204 $ 63,741,000 $ 312,455 $ 117,000
Clark, Washington 204 $ 57,652,000 $ 282,607 $ 120,000
Bergen, New Jersey 200 $ 83,018,000 $ 415,090 $ 149,000
Denver, Colorado 198 $ 37,292,000 $ 188,343 $ 103,000
Marion, Florida 198 $ 37,614,000 $ 189,969 $ 85,000
Clackamas, Oregon 192 $ 55,601,000 $ 289,588 $ 143,000
Montgomery, Pennsylvania 187 $ 51,186,000 $ 273,721 $ 116,000
Monterey, California 186 $ 82,213,000 $ 442,005 $ 150,000
Washington, Oregon 182 $ 47,208,000 $ 259,384 $ 164,000
Delaware, Pennsylvania 181 $ 30,280,000 $ 167,292 $ 86,000
Davis, Utah 179 $ 38,488,000 $ 215,016 $ 90,000
Weber, Utah 175 $ 32,239,000 $ 184,222 $ 83,000
Ocean, New Jersey 174 $ 54,304,000 $ 312,091 $ 125,000
Passaic, New Jersey 174 $ 56,991,000 $ 327,534 $ 116,000
St. Lucie, Florida 173 $ 36,501,000 $ 210,988 $ 85,000
Washington, Utah 164 $ 58,540,000 $ 356,951 $ 194,000
Burlington, New Jersey 163 $ 39,911,000 $ 244,852 $ 105,000
Merced, California 162 $ 47,262,000 $ 291,740 $ 126,000
Bernalillo, New Mexico 160 $ 29,084,000 $ 181,775 $ 81,000
Bucks, Pennsylvania 160 $ 42,017,000 $ 262,606 $ 140,000
Arapahoe, Colorado 159 $ 32,793,000 $ 206,245 $ 93,000
Lake, Florida 158 $ 34,675,000 $ 219,462 $ 101,000
Monmouth, New Jersey 157 $ 53,006,000 $ 337,617 $ 139,000
Hamilton, Ohio 154 $ 24,901,000 $ 161,694 $ 88,000
Fairfax, Virginia 154 $ 63,311,000 $ 411,110 $ 157,000
Summit, Ohio 153 $ 22,115,000 $ 144,542 $ 101,000
Marion, Oregon 153 $ 33,121,000 $ 216,477 $ 98,000
Collier, Florida 151 $ 48,902,000 $ 323,854 $ 152,000
McHenry, Illinois 151 $ 34,088,000 $ 225,748 $ 98,000
Maui, Hawaii 150 $ 69,005,000 $ 460,033 $ 222,000
Suffolk, Massachusetts 148 $ 47,582,000 $ 321,500 $ 111,000
Gwinnett, Georgia 146 $ 33,083,000 $ 226,595 $ 101,000
Worcester, Massachusetts 144 $ 34,034,000 $ 236,347 $ 98,000
Hudson, New Jersey 143 $ 48,546,000 $ 339,482 $ 129,000
San Mateo, California 142 $ 79,637,000 $ 560,823 $ 194,000
Ingham, Michigan 142 $ 16,732,000 $ 117,830 $ 76,000
Westchester, New York 141 $ 62,137,000 $ 440,687 $ 147,000
Anoka, Minnesota 140 $ 36,478,000 $ 260,557 $ 97,000
Prince William, Virginia 140 $ 47,172,000 $ 336,942 $ 107,000
New Castle, Delaware 138 $ 26,156,000 $ 189,536 $ 79,000
Kent, Michigan 135 $ 17,628,000 $ 130,577 $ 65,000
Madera, California 134 $ 36,012,000 $ 268,746 $ 103,000
Atlantic, New Jersey 133 $ 32,738,000 $ 246,150 $ 97,000
Richmond, New York 133 $ 48,889,000 $ 367,586 $ 120,000
Charles, Maryland 130 $ 42,602,000 $ 327,707 $ 104,000
Canyon, Idaho 129 $ 22,240,000 $ 172,403 $ 223,000
Spokane, Washington 126 $ 21,312,000 $ 169,142 $ 80,000
Marion, Indiana 125 $ 15,092,000 $ 120,736 $ 86,000
El Paso, Colorado 122 $ 27,131,000 $ 222,385 $ 106,000
Anchorage, Alaska 121 $ 31,668,000 $ 261,719 $ 139,000
Hampden, Massachusetts 121 $ 21,529,000 $ 177,925 $ 85,000
Mercer, New Jersey 121 $ 26,725,000 $ 220,867 $ 100,000
Imperial, California 120 $ 25,570,000 $ 213,083 $ 98,000
Dakota, Minnesota 120 $ 28,229,000 $ 235,241 $ 156,000
Middlesex, Massachusetts 116 $ 39,236,000 $ 338,241 $ 128,000
Adams, Colorado 114 $ 19,916,000 $ 174,701 $ 102,000
Montgomery, Ohio 114 $ 10,540,000 $ 92,456 $ 98,000
Mohave, Arizona 112 $ 25,516,000 $ 227,821 $ 117,000
Plymouth, Massachusetts 111 $ 33,928,000 $ 305,657 $ 103,000
Virginia Beach, Virginia 111 $ 24,977,000 $ 225,018 $ 79,000
Sarasota, Florida 110 $ 29,044,000 $ 264,036 $ 101,000
Gloucester, New Jersey 109 $ 26,722,000 $ 245,155 $ 121,000
Mecklenburg, North Carolina 109 $ 20,794,000 $ 190,770 $ 108,000
Lehigh, Pennsylvania 107 $ 15,839,000 $ 148,028 $ 71,000
Thurston, Washington 107 $ 27,252,000 $ 254,691 $ 110,000
Jefferson, Colorado 106 $ 29,937,000 $ 282,424 $ 122,000
Sonoma, California 104 $ 45,663,000 $ 439,067 $ 142,000
Hernando, Florida 104 $ 18,032,000 $ 173,384 $ 84,000
Essex, Massachusetts 104 $ 30,780,000 $ 295,961 $ 101,000
Dutchess, New York 103 $ 29,367,000 $ 285,116 $ 130,000
Chesterfield, Virginia 102 $ 22,732,000 $ 222,862 $ 153,000
Lane, Oregon 101 $ 23,978,000 $ 237,405 $ 92,000
Flagler, Florida 100 $ 23,858,000 $ 238,580 $ 125,000
Placer, California 97 $ 41,395,000 $ 426,752 $ 186,000
Monroe, Pennsylvania 96 $ 19,016,000 $ 198,083 $ 82,000
Harford, Maryland 95 $ 27,345,000 $ 287,842 $ 103,000
Richmond City, Virginia 95 $ 13,986,000 $ 147,221 $ 111,000
Clayton, Georgia 94 $ 12,945,000 $ 137,712 $ 88,000
Butte, California 93 $ 22,095,000 $ 237,580 $ 100,000
Kings, California 93 $ 16,062,000 $ 172,709 $ 75,000
Weld, Colorado 93 $ 21,390,000 $ 230,000 $ 135,000
Yavapai, Arizona 91 $ 23,864,000 $ 262,241 $ 127,000
Oklahoma, Oklahoma 91 $ 8,147,000 $ 89,527 $ 84,000
Carroll, Maryland 90 $ 25,803,000 $ 286,700 $ 88,000
San Francisco, California 89 $ 48,474,000 $ 544,651 $ 212,000
St. Clair, Illinois 87 $ 7,554,000 $ 86,827 $ 50,000
Chester, Pennsylvania 87 $ 20,507,000 $ 235,712 $ 131,000
Washoe, Nevada 86 $ 23,342,000 $ 271,418 $ 105,000
Morris, New Jersey 86 $ 35,958,000 $ 418,116 $ 144,000
Stark, Ohio 85 $ 10,139,000 $ 119,282 $ 64,000
York, Pennsylvania 84 $ 18,569,000 $ 221,059 $ 76,000
Knox, Tennessee 84 $ 11,213,000 $ 133,488 $ 90,000
Racine, Wisconsin 84 $ 11,141,000 $ 132,630 $ 59,000
Shasta, California 83 $ 18,744,000 $ 225,831 $ 124,000
Cobb, Georgia 83 $ 18,310,000 $ 220,602 $ 100,000
Howard, Maryland 83 $ 30,443,000 $ 366,783 $ 115,000
Orange, New York 83 $ 22,500,000 $ 271,084 $ 105,000
Yuma, Arizona 82 $ 15,095,000 $ 184,085 $ 76,000
Jackson, Michigan 82 $ 9,295,000 $ 113,353 $ 66,000
Berks, Pennsylvania 82 $ 14,072,000 $ 171,609 $ 85,000
Westmoreland, Pennsylvania 80 $ 11,067,000 $ 138,337 $ 73,000
Chesapeake, Virginia 80 $ 17,937,000 $ 224,212 $ 72,000
Larimer, Colorado 78 $ 16,675,000 $ 213,782 $ 160,000
Henrico, Virginia 78 $ 15,071,000 $ 193,217 $ 72,000
Winnebago, Illinois 77 $ 9,597,000 $ 124,636 $ 68,000
El Dorado, California 75 $ 31,275,000 $ 417,000 $ 165,000
Manatee, Florida 75 $ 15,716,000 $ 209,546 $ 78,000
Wake, North Carolina 75 $ 16,770,000 $ 223,600 $ 134,000
Luzerne, Pennsylvania 75 $ 8,057,000 $ 107,426 $ 71,000
Albany, New York 74 $ 11,078,000 $ 149,702 $ 88,000
Hamilton, Tennessee 74 $ 11,531,000 $ 155,824 $ 67,000
Northampton, Pennsylvania 73 $ 16,446,000 $ 225,287 $ 86,000
Davidson, Tennessee 73 $ 12,576,000 $ 172,273 $ 88,000
Lorain, Ohio 72 $ 7,684,000 $ 106,722 $ 70,000
Newport News, Virginia 72 $ 10,452,000 $ 145,166 $ 64,000
Bristol, Massachusetts 71 $ 19,859,000 $ 279,704 $ 125,000
Norfolk, Virginia 71 $ 12,734,000 $ 179,352 $ 72,000
Santa Cruz, California 70 $ 33,148,000 $ 473,542 $ 178,000
Frederick, Maryland 70 $ 19,655,000 $ 280,785 $ 94,000
Tehama, California 69 $ 18,139,000 $ 262,884 $ 97,000
Somerset, New Jersey 69 $ 23,987,000 $ 347,637 $ 118,000
Santa Barbara, California 68 $ 27,253,000 $ 400,779 $ 115,000
Norfolk, Massachusetts 68 $ 21,254,000 $ 312,558 $ 106,000
Washington, Minnesota 68 $ 21,617,000 $ 317,897 $ 129,000
St. Charles, Missouri 67 $ 12,466,000 $ 186,059 $ 87,000
Clay, Florida 66 $ 11,591,000 $ 175,621 $ 80,000
Kauai, Hawaii 66 $ 29,275,000 $ 443,560 $ 187,000
Erie, New York 66 $ 5,476,000 $ 82,969 $ 78,000
Kitsap, Washington 66 $ 18,831,000 $ 285,318 $ 90,000
Charlotte, Florida 65 $ 15,190,000 $ 233,692 $ 96,000
Litchfield, Connecticut 63 $ 14,478,000 $ 229,809 $ 100,000
Rockland, New York 63 $ 26,834,000 $ 425,936 $ 134,000
Kent, Rhode Island 63 $ 15,208,000 $ 241,396 $ 100,000
Guilford, North Carolina 61 $ 7,928,000 $ 129,967 $ 113,000
Hampton, Virginia 61 $ 9,610,000 $ 157,540 $ 86,000
Kankakee, Illinois 60 $ 7,373,000 $ 122,883 $ 59,000
Washington, Maryland 60 $ 13,496,000 $ 224,933 $ 74,000
Washtenaw, Michigan 60 $ 13,193,000 $ 219,883 $ 105,000
Scott, Minnesota 60 $ 13,391,000 $ 223,183 $ 106,000
Portsmouth, Virginia 60 $ 8,888,000 $ 148,133 $ 123,000
Skagit, Washington 60 $ 14,397,000 $ 239,950 $ 80,000
Yolo, California 59 $ 18,997,000 $ 321,983 $ 101,000
New London, Connecticut 59 $ 12,433,000 $ 210,728 $ 78,000
Calvert, Maryland 59 $ 18,942,000 $ 321,050 $ 101,000
Lucas, Ohio 59 $ 5,719,000 $ 96,932 $ 173,000
Sussex, New Jersey 58 $ 16,291,000 $ 280,879 $ 121,000
Henry, Georgia 57 $ 13,048,000 $ 228,912 $ 90,000
Cumberland, New Jersey 57 $ 9,108,000 $ 159,789 $ 82,000
Mahoning, Ohio 57 $ 6,383,000 $ 111,982 $ 116,000
Citrus, Florida 56 $ 9,609,000 $ 171,589 $ 196,000
Hinds, Mississippi 56 $ 5,206,000 $ 92,964 $ 67,000
Loudoun, Virginia 56 $ 22,319,000 $ 398,553 $ 127,000
St. Joseph, Indiana 55 $ 5,063,000 $ 92,054 $ 69,000
Jefferson, Kentucky 55 $ 7,096,000 $ 129,018 $ 89,000
Livingston, Michigan 55 $ 13,059,000 $ 237,436 $ 116,000
St. Clair, Michigan 55 $ 9,290,000 $ 168,909 $ 83,000
St. Louis, Minnesota 55 $ 6,295,000 $ 114,454 $ 65,000
Horry, South Carolina 55 $ 14,521,000 $ 264,018 $ 140,000
Martin, Florida 54 $ 13,396,000 $ 248,074 $ 131,000
East Baton Rouge, Louisiana 54 $ 7,077,000 $ 131,055 $ 85,000
Whatcom, Washington 54 $ 13,540,000 $ 250,740 $ 147,000
Fairbanks North Star, Alaska 53 $ 10,819,000 $ 204,132 $ 98,000
Kendall, Illinois 53 $ 13,185,000 $ 248,773 $ 100,000
Madison, Illinois 53 $ 6,664,000 $ 125,735 $ 66,000
Ulster, New York 53 $ 13,807,000 $ 260,509 $ 118,000
Linn, Oregon 53 $ 8,848,000 $ 166,943 $ 71,000
Pueblo, Colorado 52 $ 6,633,000 $ 127,557 $ 70,000
Escambia, Florida 52 $ 8,201,000 $ 157,711 $ 166,000
Cape May, New Jersey 52 $ 17,397,000 $ 334,557 $ 348,000
Indian River, Florida 51 $ 10,354,000 $ 203,019 $ 94,000
Muskegon, Michigan 51 $ 6,068,000 $ 118,980 $ 68,000
Wright, Minnesota 51 $ 11,858,000 $ 232,509 $ 86,000
Orleans, Louisiana 50 $ 7,268,000 $ 145,360 $ 118,000
Cumberland, Maine 50 $ 11,093,000 $ 221,860 $ 117,000
Ottawa, Michigan 50 $ 8,320,000 $ 166,400 $ 88,000
Lancaster, Pennsylvania 50 $ 8,444,000 $ 168,880 $ 81,000
Waukesha, Wisconsin 50 $ 12,771,000 $ 255,420 $ 113,000
Lake, California 49 $ 12,920,000 $ 263,673 $ 248,000
Kalamazoo, Michigan 49 $ 6,189,000 $ 126,306 $ 77,000
Sherburne, Minnesota 49 $ 12,920,000 $ 263,673 $ 232,000
Yakima, Washington 49 $ 5,871,000 $ 119,816 $ 57,000
Cochise, Arizona 48 $ 7,070,000 $ 147,291 $ 77,000
Cecil, Maryland 48 $ 11,327,000 $ 235,979 $ 84,000
Calhoun, Michigan 48 $ 6,437,000 $ 134,104 $ 54,000
Forsyth, North Carolina 48 $ 6,170,000 $ 128,541 $ 75,000
Stafford, Virginia 48 $ 15,962,000 $ 332,541 $ 99,000
Berkeley, West Virginia 48 $ 9,879,000 $ 205,812 $ 109,000
San Benito, California 47 $ 20,816,000 $ 442,893 $ 130,000
Douglas, Colorado 47 $ 18,501,000 $ 393,638 $ 173,000
Leon, Florida 47 $ 9,515,000 $ 202,446 $ 82,000
Deschutes, Oregon 47 $ 13,538,000 $ 288,042 $ 164,000
Yuba, California 46 $ 11,176,000 $ 242,956 $ 73,000
Middlesex, Connecticut 46 $ 12,265,000 $ 266,630 $ 98,000
Alachua, Florida 46 $ 8,069,000 $ 175,413 $ 91,000
Johnson, Kansas 46 $ 9,241,000 $ 200,891 $ 95,000
Butler, Ohio 46 $ 6,766,000 $ 147,086 $ 75,000
Jackson, Oregon 46 $ 11,796,000 $ 256,434 $ 94,000
Iron, Utah 46 $ 8,430,000 $ 183,260 $ 79,000
Matanuska-Susitna, Alaska 45 $ 9,858,000 $ 219,066 $ 95,000
Humboldt, California 45 $ 14,332,000 $ 318,488 $ 105,000
Jefferson, Louisiana 45 $ 8,513,000 $ 189,177 $ 142,000
Berrien, Michigan 45 $ 4,796,000 $ 106,577 $ 68,000
Richland, South Carolina 45 $ 6,068,000 $ 134,844 $ 101,000
Cowlitz, Washington 45 $ 8,229,000 $ 182,866 $ 82,000
Wicomico, Maryland 44 $ 9,138,000 $ 207,681 $ 93,000
Monroe, New York 44 $ 5,174,000 $ 117,590 $ 88,000
Highlands, Florida 43 $ 7,287,000 $ 169,465 $ 115,000
St. Mary's, Maryland 43 $ 11,381,000 $ 264,674 $ 87,000
Barnstable, Massachusetts 43 $ 16,716,000 $ 388,744 $ 167,000
Tulsa, Oklahoma 42 $ 4,163,000 $ 99,119 $ 67,000
Mesa, Colorado 41 $ 10,218,000 $ 249,219 $ 92,000
Newton, Georgia 41 $ 9,978,000 $ 243,365 $ 89,000
York, Maine 41 $ 13,173,000 $ 321,292 $ 166,000
Lake, Ohio 41 $ 6,705,000 $ 163,536 $ 183,000
Spotsylvania, Virginia 41 $ 11,700,000 $ 285,365 $ 116,000
Wyandotte, Kansas 40 $ 4,095,000 $ 102,375 $ 56,000
Saginaw, Michigan 40 $ 3,795,000 $ 94,875 $ 52,000
DeSoto, Mississippi 40 $ 7,938,000 $ 198,450 $ 93,000
Yamhill, Oregon 40 $ 8,784,000 $ 219,600 $ 64,000
Greenville, South Carolina 40 $ 7,063,000 $ 176,575 $ 78,000
Santa Cruz, Arizona 39 $ 6,154,000 $ 157,794 $ 73,000
Benton, Arkansas 39 $ 7,798,000 $ 199,948 $ 128,000
St. Johns, Florida 39 $ 11,678,000 $ 299,435 $ 101,000
Kootenai, Idaho 39 $ 9,164,000 $ 234,974 $ 93,000
Allen, Indiana 39 $ 2,835,000 $ 72,692 $ 47,000
Sandoval, New Mexico 39 $ 10,870,000 $ 278,717 $ 166,000
Washington, Pennsylvania 39 $ 6,919,000 $ 177,410 $ 113,000
Kenosha, Wisconsin 39 $ 6,372,000 $ 163,384 $ 67,000
Sutter, California 38 $ 9,753,000 $ 256,657 $ 85,000
Bay, Florida 38 $ 7,371,000 $ 193,973 $ 82,000
Okaloosa, Florida 38 $ 8,697,000 $ 228,868 $ 111,000
Santa Fe, New Mexico 38 $ 11,932,000 $ 314,000 $ 111,000
Charleston, South Carolina 38 $ 9,718,000 $ 255,736 $ 102,000
Cache, Utah 38 $ 5,928,000 $ 156,000 $ 77,000
Pulaski, Arkansas 37 $ 4,833,000 $ 130,621 $ 76,000
Tolland, Connecticut 37 $ 8,690,000 $ 234,864 $ 101,000
Douglas, Georgia 37 $ 7,452,000 $ 201,405 $ 70,000
Eaton, Michigan 37 $ 5,579,000 $ 150,783 $ 67,000
New York, New York 37 $ 24,159,000 $ 652,945 $ 259,000
Sussex, Delaware 36 $ 7,405,000 $ 205,694 $ 87,000
Chatham, Georgia 36 $ 5,896,000 $ 163,777 $ 128,000
Lackawanna, Pennsylvania 36 $ 5,072,000 $ 140,888 $ 104,000
San Luis Obispo, California 35 $ 16,864,000 $ 481,828 $ 187,000
Windham, Connecticut 35 $ 7,456,000 $ 213,028 $ 87,000
Kent, Delaware 35 $ 7,946,000 $ 227,028 $ 79,000
DeKalb, Illinois 35 $ 7,511,000 $ 214,600 $ 68,000
Portage, Ohio 35 $ 5,195,000 $ 148,428 $ 76,000
Dauphin, Pennsylvania 35 $ 3,762,000 $ 107,485 $ 79,000
Trumbull, Ohio 34 $ 3,896,000 $ 114,588 $ 78,000
Josephine, Oregon 34 $ 10,374,000 $ 305,117 $ 171,000
Walworth, Wisconsin 34 $ 7,515,000 $ 221,029 $ 118,000
Navajo, Arizona 33 $ 6,072,000 $ 184,000 $ 81,000
Jefferson, Missouri 33 $ 4,967,000 $ 150,515 $ 72,000
Hillsborough, New Hampshire 33 $ 8,138,000 $ 246,606 $ 85,000
Clermont, Ohio 33 $ 5,614,000 $ 170,121 $ 75,000
Butler, Pennsylvania 33 $ 4,675,000 $ 141,666 $ 99,000
Tooele, Utah 33 $ 5,417,000 $ 164,151 $ 86,000
Wasatch, Utah 33 $ 11,426,000 $ 346,242 $ 159,000
Lewis, Washington 33 $ 6,583,000 $ 199,484 $ 156,000
Clinton, Michigan 32 $ 4,988,000 $ 155,875 $ 103,000
Putnam, New York 32 $ 9,754,000 $ 304,812 $ 137,000
Polk, Oregon 32 $ 8,278,000 $ 258,687 $ 97,000
Boulder, Colorado 31 $ 8,588,000 $ 277,032 $ 137,000
Bonner, Idaho 31 $ 10,439,000 $ 336,741 $ 144,000
Penobscot, Maine 31 $ 4,968,000 $ 160,258 $ 58,000
Caroline, Maryland 31 $ 6,424,000 $ 207,225 $ 83,000
Shiawassee, Michigan 31 $ 3,898,000 $ 125,741 $ 53,000
Suffolk, Virginia 31 $ 6,824,000 $ 220,129 $ 157,000
Napa, California 30 $ 14,911,000 $ 497,033 $ 149,000
Worcester, Maryland 30 $ 6,585,000 $ 219,500 $ 129,000
Warren, New Jersey 30 $ 7,825,000 $ 260,833 $ 93,000
Dona Ana, New Mexico 30 $ 7,254,000 $ 241,800 $ 149,000
Medina, Ohio 30 $ 6,803,000 $ 226,766 $ 129,000
Coos, Oregon 30 $ 6,564,000 $ 218,800 $ 93,000
Beaver, Pennsylvania 30 $ 3,286,000 $ 109,533 $ 72,000
Erie, Pennsylvania 30 $ 3,353,000 $ 111,766 $ 48,000
Cherokee, Georgia 29 $ 7,351,000 $ 253,482 $ 106,000
Twin Falls, Idaho 29 $ 3,383,000 $ 116,655 $ 51,000
Rockingham, New Hampshire 29 $ 8,090,000 $ 278,965 $ 103,000
Schenectady, New York 29 $ 3,532,000 $ 121,793 $ 63,000
Sanpete, Utah 29 $ 3,967,000 $ 136,793 $ 62,000
Grays Harbor, Washington 29 $ 5,376,000 $ 185,379 $ 105,000
Santa Rosa, Florida 28 $ 6,125,000 $ 218,750 $ 108,000
Grand Traverse, Michigan 28 $ 4,528,000 $ 161,714 $ 67,000
Monroe, Michigan 28 $ 5,314,000 $ 189,785 $ 75,000
Clay, Missouri 28 $ 4,876,000 $ 174,142 $ 100,000
Salem, New Jersey 28 $ 5,179,000 $ 184,964 $ 109,000
Fayette, Pennsylvania 28 $ 2,725,000 $ 97,321 $ 46,000
Rutherford, Tennessee 28 $ 4,169,000 $ 148,892 $ 115,000
Fauquier, Virginia 28 $ 10,748,000 $ 383,857 $ 122,000
Frederick, Virginia 28 $ 7,713,000 $ 275,464 $ 105,000
Jefferson, West Virginia 28 $ 7,634,000 $ 272,642 $ 99,000
Walton, Florida 27 $ 8,099,000 $ 299,962 $ 150,000
Marquette, Michigan 27 $ 3,667,000 $ 135,814 $ 73,000
Chisago, Minnesota 27 $ 6,167,000 $ 228,407 $ 107,000
Pike, Pennsylvania 27 $ 5,368,000 $ 198,814 $ 88,000
Sevier, Tennessee 27 $ 4,801,000 $ 177,814 $ 92,000
Caroline, Virginia 27 $ 5,320,000 $ 197,037 $ 113,000
Porter, Indiana 26 $ 5,232,000 $ 201,230 $ 83,000
Androscoggin, Maine 26 $ 4,127,000 $ 158,730 $ 108,000
Isanti, Minnesota 26 $ 5,396,000 $ 207,538 $ 99,000
Fairfield, Ohio 26 $ 6,546,000 $ 251,769 $ 109,000
Columbia, Oregon 26 $ 5,655,000 $ 217,500 $ 73,000
Lincoln, Oregon 26 $ 6,090,000 $ 234,230 $ 168,000
Franklin, Pennsylvania 26 $ 4,566,000 $ 175,615 $ 65,000
Mercer, Pennsylvania 26 $ 2,542,000 $ 97,769 $ 64,000
Calaveras, California 25 $ 7,007,000 $ 280,280 $ 88,000
Mendocino, California 25 $ 7,330,000 $ 293,200 $ 90,000
Tuolumne, California 25 $ 6,517,000 $ 260,680 $ 99,000
Rockdale, Georgia 25 $ 5,638,000 $ 225,520 $ 77,000
Bonneville, Idaho 25 $ 4,086,000 $ 163,440 $ 78,000
Boone, Illinois 25 $ 4,500,000 $ 180,000 $ 71,000
Lapeer, Michigan 25 $ 4,280,000 $ 171,200 $ 71,000
Columbiana, Ohio 25 $ 3,229,000 $ 129,160 $ 90,000
Cumberland, Pennsylvania 25 $ 5,013,000 $ 200,520 $ 117,000
Lawrence, Pennsylvania 25 $ 2,794,000 $ 111,760 $ 45,000
Lexington, South Carolina 25 $ 4,927,000 $ 197,080 $ 111,000
Culpeper, Virginia 25 $ 7,695,000 $ 307,800 $ 105,000
Polk, Iowa 24 $ 5,609,000 $ 233,708 $ 119,000
Bay, Michigan 24 $ 2,584,000 $ 107,666 $ 69,000
Saratoga, New York 24 $ 5,490,000 $ 228,750 $ 111,000
Washington, Rhode Island 24 $ 7,681,000 $ 320,041 $ 112,000
Hanover, Virginia 24 $ 4,864,000 $ 202,666 $ 99,000
Marin, California 23 $ 13,114,000 $ 570,173 $ 285,000
Nevada, California 23 $ 9,150,000 $ 397,826 $ 118,000
Monroe, Florida 23 $ 11,767,000 $ 511,608 $ 176,000
Nassau, Florida 23 $ 6,210,000 $ 270,000 $ 146,000
Queen Anne's, Maryland 23 $ 5,674,000 $ 246,695 $ 89,000
Hampshire, Massachusetts 23 $ 5,115,000 $ 222,391 $ 92,000
Crow Wing, Minnesota 23 $ 6,120,000 $ 266,086 $ 161,000
Flathead, Montana 23 $ 5,320,000 $ 231,304 $ 81,000
Douglas, Oregon 23 $ 4,460,000 $ 193,913 $ 78,000
Spartanburg, South Carolina 23 $ 2,772,000 $ 120,521 $ 56,000
Alexandria, Virginia 23 $ 7,341,000 $ 319,173 $ 138,000
Paulding, Georgia 22 $ 3,950,000 $ 179,545 $ 85,000
Itasca, Minnesota 22 $ 2,915,000 $ 132,500 $ 51,000
Greene, Missouri 22 $ 7,115,000 $ 323,409 $ 258,000
Hunterdon, New Jersey 22 $ 7,648,000 $ 347,636 $ 342,000
Rensselaer, New York 22 $ 2,934,000 $ 133,363 $ 97,000
Sullivan, New York 22 $ 5,740,000 $ 260,909 $ 365,000
Licking, Ohio 22 $ 3,542,000 $ 161,000 $ 121,000
Berkeley, South Carolina 22 $ 2,835,000 $ 128,863 $ 79,000
Sevier, Utah 22 $ 2,631,000 $ 119,590 $ 46,000
Uintah, Utah 22 $ 3,704,000 $ 168,363 $ 114,000
Arlington, Virginia 22 $ 10,936,000 $ 497,090 $ 213,000
Grant, Washington 22 $ 3,805,000 $ 172,954 $ 77,000
Coconino, Arizona 21 $ 5,848,000 $ 278,476 $ 131,000
Colusa, California 21 $ 4,974,000 $ 236,857 $ 104,000
Hall, Georgia 21 $ 5,098,000 $ 242,761 $ 135,000
Hamilton, Indiana 21 $ 7,529,000 $ 358,523 $ 233,000
Oxford, Maine 21 $ 3,752,000 $ 178,666 $ 74,000
Allegan, Michigan 21 $ 3,910,000 $ 186,190 $ 96,000
Lyon, Nevada 21 $ 4,960,000 $ 236,190 $ 145,000
Clark, Ohio 21 $ 1,916,000 $ 91,238 $ 68,000
Greene, Ohio 21 $ 2,658,000 $ 126,571 $ 63,000
Richland, Ohio 21 $ 2,573,000 $ 122,523 $ 89,000
Warren, Virginia 21 $ 5,116,000 $ 243,619 $ 181,000
Washington, Arkansas 20 $ 3,220,000 $ 161,000 $ 75,000
Gadsden, Florida 20 $ 3,034,000 $ 151,700 $ 75,000
Fayette, Georgia 20 $ 5,673,000 $ 283,650 $ 95,000
Sedgwick, Kansas 20 $ 1,928,000 $ 96,400 $ 58,000
Van Buren, Michigan 20 $ 2,897,000 $ 144,850 $ 67,000
Harrison, Mississippi 20 $ 3,228,000 $ 161,400 $ 87,000
Nye, Nevada 20 $ 5,705,000 $ 285,250 $ 86,000
Cumberland, North Carolina 20 $ 2,608,000 $ 130,400 $ 75,000
New Hanover, North Carolina 20 $ 5,872,000 $ 293,600 $ 159,000
Klamath, Oregon 20 $ 3,444,000 $ 172,200 $ 100,000
Shenandoah, Virginia 20 $ 3,607,000 $ 180,350 $ 102,000
Mason, Washington 20 $ 4,442,000 $ 222,100 $ 73,000
Carroll, Georgia 19 $ 2,306,000 $ 121,368 $ 116,000
Bannock, Idaho 19 $ 2,674,000 $ 140,736 $ 61,000
Ogle, Illinois 19 $ 3,888,000 $ 204,631 $ 102,000
Kennebec, Maine 19 $ 2,856,000 $ 150,315 $ 60,000
Lenawee, Michigan 19 $ 3,097,000 $ 163,000 $ 67,000
Montcalm, Michigan 19 $ 2,450,000 $ 128,947 $ 46,000
Durham, North Carolina 19 $ 2,799,000 $ 147,315 $ 68,000
Lebanon, Pennsylvania 19 $ 2,535,000 $ 133,421 $ 57,000
Dorchester, South Carolina 19 $ 3,508,000 $ 184,631 $ 108,000
Box Elder, Utah 19 $ 3,097,000 $ 163,000 $ 100,000
Summit, Utah 19 $ 6,846,000 $ 360,315 $ 139,000
Brown, Wisconsin 19 $ 3,760,000 $ 197,894 $ 116,000
Dane, Wisconsin 19 $ 4,523,000 $ 238,052 $ 78,000
Rock, Wisconsin 19 $ 2,678,000 $ 140,947 $ 71,000
Glenn, California 18 $ 3,642,000 $ 202,333 $ 60,000
Siskiyou, California 18 $ 3,943,000 $ 219,055 $ 84,000
Catoosa, Georgia 18 $ 3,058,000 $ 169,888 $ 81,000
Hancock, Maine 18 $ 3,471,000 $ 192,833 $ 114,000
Dorchester, Maryland 18 $ 3,664,000 $ 203,555 $ 125,000
St. Francois, Missouri 18 $ 1,813,000 $ 100,722 $ 54,000
Yellowstone, Montana 18 $ 4,598,000 $ 255,444 $ 126,000
Douglas, Nebraska 18 $ 2,743,000 $ 152,388 $ 71,000
Columbia, New York 18 $ 3,534,000 $ 196,333 $ 78,000
Onondaga, New York 18 $ 1,402,000 $ 77,888 $ 76,000
Delaware, Ohio 18 $ 3,683,000 $ 204,611 $ 127,000
Marion, Ohio 18 $ 1,910,000 $ 106,111 $ 57,000
Adams, Pennsylvania 18 $ 3,647,000 $ 202,611 $ 75,000
Cambria, Pennsylvania 18 $ 1,652,000 $ 91,777 $ 62,000
Carbon, Pennsylvania 18 $ 3,531,000 $ 196,166 $ 115,000
Schuylkill, Pennsylvania 18 $ 1,359,000 $ 75,500 $ 53,000
Newport, Rhode Island 18 $ 6,750,000 $ 375,000 $ 213,000
York, South Carolina 18 $ 3,386,000 $ 188,111 $ 93,000
Sumner, Tennessee 18 $ 3,524,000 $ 195,777 $ 116,000
Washington, Wisconsin 18 $ 4,913,000 $ 272,944 $ 108,000
Kenai Peninsula, Alaska 17 $ 2,664,000 $ 156,705 $ 67,000
Gila, Arizona 17 $ 2,147,000 $ 126,294 $ 48,000
Amador, California 17 $ 5,031,000 $ 295,941 $ 101,000
Fremont, Colorado 17 $ 3,260,000 $ 191,764 $ 79,000
Putnam, Florida 17 $ 3,544,000 $ 208,470 $ 83,000
Bibb, Georgia 17 $ 1,640,000 $ 96,470 $ 93,000
Walker, Georgia 17 $ 2,408,000 $ 141,647 $ 66,000
Gem, Idaho 17 $ 4,575,000 $ 269,117 $ 109,000
Payette, Idaho 17 $ 2,352,000 $ 138,352 $ 63,000
St. Tammany, Louisiana 17 $ 4,115,000 $ 242,058 $ 179,000
Berkshire, Massachusetts 17 $ 3,491,000 $ 205,352 $ 73,000
Mille Lacs, Minnesota 17 $ 3,136,000 $ 184,470 $ 64,000
Olmsted, Minnesota 17 $ 3,000,000 $ 176,470 $ 76,000
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Mortgage Loan Application Detail Totals for BNC Mortgage in 2007

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 65,001 $16,930,826,000 $260,000 $2,000,000 $100,000 $9,336,000
Home Purchase 26,888 $6,676,421,000 $248,000 $2,000,000 $123,000 $9,528,000
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 33,813 $8,330,839,000 $246,000 $2,000,000 $115,000 $9,528,000
Black or African American 20,408 $4,528,560,000 $221,000 $2,000,000 $91,000 $5,095,000
Hispanic 20,364 $5,686,460,000 $279,000 $1,800,000 $104,000 $8,684,000
Not Provided 13,094 $3,610,633,000 $275,000 $2,000,000 $105,000 $5,485,000
Asian 2,946 $1,043,292,000 $354,000 $1,800,000 $143,000 $3,552,000
Native Hawaiian or Other Pacific Islander 900 $308,924,000 $343,000 $2,000,000 $128,000 $2,028,000
American Indian or Alaskan Native 364 $98,539,000 $270,000 $1,237,000 $120,000 $1,200,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 91,889 $23,607,247,000 $256,000 $2,000,000 $107,000 $9,528,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Application Denied By Financial Institution 58,862 $15,801,135,000 $268,000 $2,000,000 $111,000 $9,528,000
Loan Originated 23,654 $5,610,340,000 $237,000 $1,872,000 $100,000 $5,485,000
Application Approved But Not Accepted 7,668 $1,794,658,000 $234,000 $2,000,000 $100,000 $5,366,000
Loan Purchased By The Institution 1,658 $389,836,000 $235,000 $858,000 $86,000 $1,968,000
Application Withdrawn By Applicant 47 $11,278,000 $239,000 $880,000 $96,000 $332,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Other 23,067 $6,423,869,000 $278,000 $2,000,000 $116,000 $9,528,000
Credit History 15,977 $3,949,365,000 $247,000 $1,800,000 $102,000 $9,336,000
Unverifiable Information 6,667 $1,974,911,000 $296,000 $1,840,000 $121,000 $7,800,000
Collateral 4,713 $1,276,846,000 $270,000 $1,760,000 $134,000 $6,249,000
Credit Application Incomplete 3,947 $922,727,000 $233,000 $1,520,000 $107,000 $3,547,000
Debt-To-Income Ratio 3,903 $1,085,736,000 $278,000 $2,000,000 $79,000 $1,381,000
Employment History 432 $125,761,000 $291,000 $1,237,000 $113,000 $4,227,000
Insufficient Cash (Downpayment, Closing Cost) 156 $41,920,000 $268,000 $920,000 $103,000 $1,300,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC Mortgage's 2007 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess BNC Mortgage's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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